Buena Vista National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 7.87 percentage points in Q2 2026, from 112.51% to 120.38%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Buena Vista National Bank is 136th of 323 on loan-to-deposit ratio, 79.03% as of Q2 2026, above the middle of the field. At 79.03%, Buena Vista National Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $232.5M |
| Net loans and leases | $229.2M |
| Loans held for sale | $0 |
| Loans to total assets | 67.58% |
| Loan-to-deposit ratio | 79.03% |
| Net loans to equity capital | 6.15% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.48% |
| Multifamily (5+ residential) | 4.00% |
| Commercial and industrial | 6.45% |
| Consumer | 10.79% |
| Credit cards | 0.00% |
| Farm | 4.96% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.81% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 120.38% |
| Construction concentration (Tier 1 capital + allowance) | 43.50% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.94% |
| Interest income on loans | $3.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $171.5M | $232.0M | 25.66% | 8.83% | 10.09% |
| Q4 2023 | $169.0M | $250.0M | 24.07% | 8.62% | 10.45% |
| Q1 2024 | $175.9M | $250.5M | 26.69% | 8.14% | 10.21% |
| Q2 2024 | $185.2M | $248.3M | 27.25% | 7.81% | 9.72% |
| Q3 2024 | $184.7M | $255.2M | 26.37% | 7.46% | 10.04% |
| Q4 2024 | $189.3M | $261.8M | 26.34% | 6.87% | 10.32% |
| Q1 2025 | $188.0M | $269.1M | 25.92% | 6.61% | 10.19% |
| Q2 2025 | $187.7M | $266.1M | 24.86% | 5.65% | 10.34% |
| Q3 2025 | $200.7M | $263.0M | 23.94% | 5.46% | 11.39% |
| Q4 2025 | $211.9M | $274.6M | 23.81% | 6.09% | 11.13% |
| Q1 2026 | $217.5M | $287.2M | 23.50% | 6.08% | 11.00% |
| Q2 2026 | $232.5M | $294.2M | 24.48% | 6.45% | 10.79% |
Buena Vista National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Buena Vista National Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Buena Vista National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10844) · FFIEC NIC profile (RSSD 621441)